Citizens Go

A SMART START FOR YOUNG ACCOUNT HOLDERS!

Key Features

  • Digital Banking3
  • ATM Withdrawal Fee Refunds
  • Debit Card
Apply Now

Kids on the move? Get Citizens Go! Banking for Young Spenders

A smart start for young account holders! Citizens Go is designed for kids 1ages 8-15, offering a safe and simple way to learn about money management with parental oversight. With no monthly fees, built-in spending controls, and a seamless transition to Student Cash Back Checking at age 16, this account makes banking easy for families.

Who It’s For

  • Kids ages 8-15
    (Account automatically converts to Student Cash Back Checking at age 16)
  • Parents looking to introduce financial responsibility in a secure environment

Key Features

  • No Monthly Maintenance Fee – Keep more of your money!
  • $25 Minimum Opening Deposit – Start small, build smart.
  • Parental Controls – Manage your child's account through online banking.
  • 5 Visa Debit Card with Limits – Set spending caps and lock the card if needed.
  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)
  • 2E-Statements Required – Go paperless and avoid a $5/month paper statement fee.
  • No Overdraft Fees – Transactions are limited to available funds.

Parental Controls for Peace of Mind

  • CardValet Integration – Parents can set spending limits, lock/unlock the debit card, and monitor transactions.
  • 3Online Banking Access – Parents manage account access, transfers, and spending limits, and alerts.

Fees & Limits
Debit Card Spending Limits (Issued to the child only):

  • Online ATM: $106
  • Online POS: $250
  • Offline ATM: $26
  • Offline POS: $50

ATM & International Fees:

  • International Transactions: 2% fee applies
  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)

Transaction Restrictions:

  • No Checks – Digital-only banking for kids.

4How to Open an Account

A parent or legal guardian must open the account with the child and be a joint owner.

Ready to help your child build smart financial habits? Open a Citizens Go Account!

Apply Now

1Citizens Go account is for account holders between the ages of 8-15. If a Citizens Go account remains open until the account holder reaches the age of 16, the account will be converted to a Student Cash Back account unless the account holder contacts the Bank to convert to a different product. Citizens Go account holders under the age of 19 must have a parent or guardian as a co-owner of the account.

2Fees and Charges- The monthly maintenance fee for paper statements is $5.00. Please refer to the separate fee schedule linked below. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

3Third party fees for Internet, messaging, data may apply.

4The minimum to open account is $25. No minimum balance requirement to maintain. This account is not eligible for Overdraft Privilege. The monthly maintenance fee for paper statements can be waived by receiving online statements.

5Visa is a registered trademark of Visa International Service Association.